Phantom Ledger Terms
Effective: June 10, 2026. Provider: Christopher M Ganoe.
Service output
Phantom Ledger organizes customer-provided business records into potential recovery findings, evidence links, reports, and workflow tools. Results do not guarantee payment, establish liability, or replace legal, tax, accounting, or contract advice.
Human review
Customers must verify every amount, source document, deadline, contract term, and recovery communication before acting. A system confidence score is not a legal conclusion. Phantom recovery communications are generated as drafts only unless a separately authorized workflow is configured; the default system does not autonomously send demands or mark findings as recovered cash.
Evaluation audit
Eligible businesses may receive one real-engine evaluation within the configured document and processing-unit limits. The evaluation is not a perpetual free tier. Anti-abuse controls may include account, normalized company, business-domain, one-way hashed network, and source-document-set locks. Owner-approved exceptions may be granted.
Billing
Stripe checkout controls paid prices. Uploaded files are metered before payment. A 10% recovery fee applies only to recovered revenue actually received, supported by proof, verified by the provider, and tied to Phantom Ledger work. Potential, disputed, unrelated, unpaid, or unverified amounts are not recovered revenue.
Customer responsibility
Customers must have authority to upload the records, avoid unrelated personal or regulated data, maintain lawful instructions, review outputs, and comply with governing contracts and dispute deadlines.
Retention and deletion
Source files and generated reports follow the configured retention period and authenticated deletion process. Limited billing, security, hash, and audit records may remain where required for fraud prevention, accounting, disputes, or legal obligations.
Contact
founder@hauntlifesystems.com